Integrated Shield Plans
What are Integrated Shield Plans?
Integrated Shield Plans, commonly referred to as Hospital Shield Plans, act as a supplement to your Medishield Life. They are the most crucial plans to have before considering other coverages. Plus, you can purchase them with Medisave, making them affordable even for those on a tight budget. Having an Integrated Shield Plan will make sure that you have your hospitalisation bills covered, even for pre and post hospital bills.
Types of Integrated Shield Plans
- Up to Private Hospital coverage Integrated Shield Plan
- Up to Restuctured (Government) Hospital coverage Shield Plan
Note: Any of the above plans will entitled you to stay in an A class and below ward.
There are also Riders that are payable in cash to enhance your Integrated Shield Plan coverage. Riders will cover Deductibles and Co-Insurance (Up to 95%), keeping your liabilities low for each hospitalisation, even in a Private Hospital.
Compare Plans
Annual Claim Limit: Up to $2.5 Million
Cancer Drug Treatment: Up to 23x Medishield Life's Claim Limit
Unique Features: Panel GP with HSBC Life Shield Card providing preferred consultation rates
Annual Claim Limit: Up to $1.5 Million
Cancer Drug Treatment: Up to 10x Medishield Life's Claim Limit
Unique Features: 2 types of riders to choose from according to affordability
Annual Claim Limit: Up to $2 Million
Cancer Drug Treatment: Up to 15x Medishield Life's Claim Limit
Unique Features: Free or Discounted Child Coverage, No Claims Discount. Lump Sum Critical Illness Payout
Annual Claim Limit: Up to $1.5 Million
Cancer Drug Treatment: Up to 6x Medishield Life's Claim Limit
Unique Features: N.A.
Sample Premiums
Annual Premium for Age 20; Private Hospital Coverage
| Insurer | Main Plan (Payable via Medisave) | Rider (Cash only) |
|---|---|---|
| HSBC Life Shield | $188.50 | $663.30 |
| NTUC Income Enhanced IncomeShield | $249 | $823 |
| Singlife Shield | $235 | $623 |
| Raffles Shield | $222.08 | $335.04 |
| AIA HealthShield Gold Max | $281 | $861 |
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